1. The Business Auto Coverage Form provides a business with:

Liability and physical damage coverage for its autos

The Business Auto Coverage Form (BACF) provides auto liability and physical damage coverage for a business's vehicles.

2. In the business auto form, covered auto symbol 1 designates:

Any auto, the broadest designation for liability

Symbol 1 (any auto) is the broadest covered-auto designation and is commonly used for liability coverage.

3. Hired auto coverage in a business auto policy applies to autos the insured:

Leases, hires, rents, or borrows for use in the business

Hired auto coverage applies to vehicles the business leases, hires, rents, or borrows (other than from employees).

4. Non-owned auto coverage protects a business for liability arising from:

Autos owned by employees or others used in the business

Non-owned auto coverage responds to liability from autos the business does not own but are used in its business, such as employee vehicles.